Supplemental maternity insurance

Re: Supplemental maternity insurance

• DrillSergeantCat member

  October 2015

  Are you 100% sure they start over? Many have a 4th quarter carryover. So whatever is done from October through Dec 31 will count towards your deductible in the first quarter of the new year.

  
  

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• DrillSergeantCat member

  October 2015

  BostonTerrior2008 said:

  I wish that was true when I had major medical issues. Would have saved me nearly 5,000 a few years back. OP, hopefully you can figure things out. I would inquire to your insurance what PP said. Does not hurt to try.
  

  I had to call my healthcare company directly because HR left that part out when I asked.

  
  

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• Wicked4589 member

  October 2015

  Most insurance companies do not roll over anymore. Your deductible starts over Jan 1 if your plan goes by calendar year. I am an agent. I've never heard of maternity supplemental insurance. All insurance policies cover labor and delivery. But you do have to pay your deductible and out of pocket. You can try picking up an individual plan instead of the employer sponsored plan but they all now have a minimum $3250 out of pocket. All plans cover relatively the same thing, just depends what the out of pocket costs were picked by your employer. It's not like one will cover csection and another won't.

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• DrillSergeantCat member

  October 2015

  Wicked4589 said:

  Most insurance companies do not roll over anymore. Your deductible starts over Jan 1 if your plan goes by calendar year. I am an agent. I've never heard of maternity supplemental insurance. All insurance policies cover labor and delivery. But you do have to pay your deductible and out of pocket. You can try picking up an individual plan instead of the employer sponsored plan but they all now have a minimum $3250 out of pocket. All plans cover relatively the same thing, just depends what the out of pocket costs were picked by your employer. It's not like one will cover csection and another won't.

  I guess I'm lucky because mine does.

  
  

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• 2-Step member

  October 2015

  I've looked into it and buying an independent plan doesn't seem to pencil out, at least for me. The extra premiums will exceed my max out of pocket on my current plan so I would actually lose money over the course of a year. If I were you I would contact the hospital and ask about payment plans, they are usually pretty good about it. My hospital also has an early payment discount, so if you can find a good deal on a introductory offer credit card and put it on that then you can take advantage of the discount and pay it off before the offer expires, usually 3-6 months. 

  
  

  The only other options I know of for maternity insurance are policies like short term disability or hospital insurance, each of which must be taken out prior to becoming pregnant in order to qualify. 

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• Wicked4589 member

  October 2015

  Yes you are lucky. Most don't roll over anymore. Sign of the changing times of the market.

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